Legal Analysis: Monetary policy, reducing the deposit reserve ratio will increase the loanable funds of banks and increase the money supply. It is a loose monetary policy, and monetary policy tools-also known as monetary policy tools-refer to the policy tools adopted by the central bank to adjust intermediary indicators and further realize monetary policy objectives. The three traditional policy tools adopted by western central banks for many years, namely, statutory reserve ratio, rediscount policy and open market business, are sometimes called "three magic weapons", which are mainly used to regulate the total amount of money.

Legal Basis: Implementation Measures of the People's Bank of China for the Protection of Financial Consumers' Rights and Interests Article 2 These Measures are applicable to banking financial institutions (hereinafter referred to as banks) legally established in People's Republic of China (PRC) to provide financial products or services to financial consumers and carry out the protection of financial consumers' rights and interests related to the following businesses:

(1) Related to interest rate management.

(2) Related to RMB management.

(3) Related to foreign exchange management.

(four) related to the management of the gold market.

(five) related to the management of the state treasury.

(six) related to payment and liquidation management.

(seven) related to anti-money laundering management.

(eight) related to credit information management. .

(9) Financial marketing publicity and consumer financial information protection related to the above-mentioned businesses.

(ten) the protection of the rights and interests of financial consumers within the scope of duties of the People's Bank of China as stipulated by other laws and administrative regulations.

These Measures shall apply to non-bank payment institutions established in People's Republic of China (PRC) to provide payment services (hereinafter referred to as payment institutions).

The term "financial consumers" as mentioned in these Measures refers to natural persons who purchase and use financial products or services provided by banks and payment institutions.